Call reports 2005
BANK OF MONTGOMERY — 2005
What BANK OF MONTGOMERY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 36,789,000 | 36,230,000 | 35,252,000 | 36,276,000 |
| Total loans | 21,377,000 | 21,258,000 | 20,054,000 | 20,932,000 |
| Allowance for loan losses | 450,000 | 452,000 | 474,000 | 592,000 |
| Securities available for sale | 12,975,000 | 12,404,000 | 10,871,000 | 10,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,479,000 | 31,846,000 | 30,722,000 | 31,971,000 |
| Interest-bearing deposits | 26,348,000 | 25,145,000 | 25,059,000 | 25,852,000 |
| Noninterest-bearing deposits | 6,131,000 | 6,701,000 | 5,663,000 | 6,119,000 |
| Equity capital | 4,115,000 | 4,177,000 | 4,259,000 | 4,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 451,000 | 915,000 | 1,388,000 | 1,858,000 |
| Interest expense | 68,000 | 142,000 | 226,000 | 313,000 |
| Net interest income | 383,000 | 773,000 | 1,162,000 | 1,545,000 |
| Noninterest income | 50,000 | 103,000 | 164,000 | 213,000 |
| Noninterest expense | 306,000 | 590,000 | 868,000 | 1,227,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 172,000 |
| Pretax income | 109,000 | 254,000 | 408,000 | 363,000 |
| Income tax | 33,000 | 81,000 | 131,000 | 113,000 |
| Net income | 76,000 | 173,000 | 277,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,163,000 | 4,224,000 | 4,329,000 | 4,157,000 |
| Total capital | 4,511,000 | 4,568,000 | 4,647,000 | 4,485,000 |
| Risk-weighted assets | 27,775,000 | 27,420,000 | 25,268,000 | 26,014,000 |